Freedom from Karmic Debts: How It Looks

Someone who is pure, and by implication has paid off karmic debts, exhibits certain characteristics, according to Deepak Chopra in his latest book Life After Death. These traits lead such a person to a meaningful life:

from my understanding of Karma and reincarnation, if you die before paying off your debt you will pay for it in your next life, and just because you suddenly become religious or are part of a certain religion doesn't mean your Karmic debt vanishes. You still have to pay for your wrong doings and get rewarded for your good